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DO avoid for-profit or proprietary colleges. Reports show that students who attend for-profit colleges end up saddled with more debt than students who attend private nonprofit schools or public colleges, regardless of family income. According to a report by the Education Trust, Subprime Opportunity, these institutions provide their students â€œlittle more than crippling debt,â€ yet they aggressively recruit low-income minority students. These schools have come under increased scrutiny lately, and there doesnâ€™t seem to be any reason to consider attending one.